Also known as family liability insurance, personal liability insurance is an essential coverage that provides financial protection for you and your family in the event that you were found legally responsible for injuries or damages to others.

Personal liability insurance is a coverage that is built into most homeowners, condo, renters policies. This coverage is also included in most landlord policies as a layer of financial protection for property owners. 

Your upstairs neighbors went on vacation and the water pipes connected to their washer had burst. Water flooded their unit, the public hallway areas, and your unit right below it. 

In this scenario, your condo association insurance will only cover the repair to the public hallway areas, and you will need to make a claim with your personal condo insurance to cover the damages to your unit.